TQL Mortgage — Total Quality Lending
Total Quality Lending (TQL)
Total Quality Lending — commonly abbreviated TQL — is a DSCR and non-QM mortgage lender for real estate investors, self-employed borrowers, foreign nationals, and visa holders. Direct lender, NMLS #1933377, lending in 43 U.S. states.
About TQL — Total Quality Lending
Total Quality Lending (TQL) is a direct private mortgage lender headquartered in California, specializing in investor and non-QM loan products. The legal entity is Total Quality Financial, Inc., doing business as Total Quality Lending.
Real estate investors, self-employed borrowers, business owners, and foreign nationals use TQL when traditional banks decline their scenario — because their tax returns don’t reflect their actual cash flow, because they want to scale beyond the 10-property conventional cap, or because they need to close in 15 days instead of 45.
TQL is licensed in 43 states. NMLS #1933377, California DFPI License No 60DBO-108369.
TQL fast facts
- Legal name
- Total Quality Financial, Inc.
- DBA
- Total Quality Lending
- NMLS
- #1933377
- DFPI License
- 60DBO-108369
- Headquarters
- California
- States served
- 43
- Phone
- (800) 304-1925
- CustomerCare@TQLend.com
TQL loan programs
TQL DSCR Loans
Investor rentals qualified on the property's cash flow. Up to 80% LTV, FICO from 640.
Program details →TQL Foreign National DSCR
Non-U.S. citizens, H1B/L1/E2 visa holders. No SSN required, ITIN accepted.
Program details →TQL Multi-Unit DSCR
5–8 unit residential and mixed-use. Loans $400K–$2M for experienced investors.
Program details →TQL Prime Time Non-QM
Owner-occupied non-QM with 6 alt-doc paths — bank statement, 1099, asset utilization, P&L, WVOE, full doc.
Program details →
TQL — frequently asked
What does TQL stand for in mortgage lending?
TQL stands for Total Quality Lending, a DSCR and non-QM mortgage lender for real estate investors and self-employed borrowers. Legal name: Total Quality Financial, Inc. DBA Total Quality Lending. NMLS #1933377.
Is TQL the same as Total Quality Lending?
Yes. TQL is the common abbreviation for Total Quality Lending. The legal entity is Total Quality Financial, Inc. doing business as Total Quality Lending. We are not affiliated with Total Quality Logistics, the freight brokerage based in Cincinnati, Ohio.
Is TQL a real mortgage lender?
Yes — Total Quality Lending (TQL) is a direct private mortgage lender licensed in 43 U.S. states. NMLS #1933377, California DFPI License No 60DBO-108369. Verifiable on the NMLS Consumer Access database.
What kind of loans does TQL offer?
TQL offers DSCR loans (investor rentals up to 80% LTV), Foreign National DSCR (non-U.S. citizens), Multi-Unit DSCR (5–8 units), and Prime Time non-QM (6 alt-doc paths including bank statement, 1099, asset utilization). Loan amounts from $100K to $3.5M.
How do I contact TQL?
Call (800) 304-1925 or email CustomerCare@TQLend.com. Our headquarters are in California. We lend in 43 states.
Where is TQL (Total Quality Lending) located?
Total Quality Lending is headquartered in California. We are licensed by the California Department of Financial Protection and Innovation (DFPI) under License No 60DBO-108369 and lend nationally in 43 states.
Is TQL the same as Total Quality Logistics?
No. TQL (Total Quality Lending) is a California mortgage lender, NMLS #1933377. Total Quality Logistics is a separate, unrelated freight brokerage company headquartered in Cincinnati, Ohio. Different industries, different companies, no affiliation.
Talk to TQL — Total Quality Lending
Direct lender. Real humans. No bait-and-switch.